CN119250810A

CN119250810A - Market management bill processing method, device and server

Info

Publication number: CN119250810A
Application number: CN202411348275.4A
Authority: CN
Inventors: 杨超瑞
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2024-09-26
Filing date: 2024-09-26
Publication date: 2025-01-03

Abstract

This specification provides a method, device and server for processing market management bills, which can be used in the financial field. Based on this method, after receiving a request for merging multiple bills, the server can first obtain and automatically determine a bill processing solution that matches the merchant based on the bill information, payment time limit data, payment discount data, and merchant attribute information and behavior data of the target market management bill, and the two different dimensions of time limit and discount of the market management bill, as a recommended solution for the merchant to choose; based on the merchant's feedback data on the recommended solution, the target processing rules for multiple target market management bills are determined; and then, based on the target processing rules, multiple target market management bills can be processed by interacting with the merchant terminal. This can better adapt to the market management payment scenario, allowing merchants to choose a matching processing method to complete the payment of related bills according to their own situation, thereby improving the merchant's interactive experience.

Description

Market management bill processing method, device and server

Technical Field

The specification belongs to the technical field of bill data processing, and particularly relates to a processing method, a device and a server for market management bill.

Background

In the financial business field, for a market management payment scenario, merchants that are in the market (e.g., in farmer wholesale markets, etc.) typically need to pay a variety of related market management fees to a market manager according to related market specifications.

However, based on the existing method, when the merchant receives a market management payment bill, the merchant needs to pay the market management payment bill individually for one time. In specific implementation, the problems of stiff payment mode, inconvenience, complex operation of merchants, high fund pressure, poor interaction experience of merchants and the like often exist

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The specification provides a processing method, a processing device and a processing server for market management bills, which can be well adapted to market management payment scenes, so that merchants can flexibly select and finish payment and payment of related market management fees in a matched processing mode according to self conditions, and interaction experience of the merchants is improved.

The specification provides a processing method of a market management bill, which comprises the following steps:

Receiving a multi-bill combination processing request initiated by a merchant terminal, wherein the multi-bill combination processing request at least carries bill identifications of a plurality of target market management bills selected by merchants and merchant identifications of the merchants;

Acquiring bill information, payment time limit data and payment preferential data of the target market management bill according to bill identifications of a plurality of target market management bills, and acquiring attribute information and behavior data of a merchant according to merchant identifications of the merchant;

Generating a plurality of bill processing schemes matched with a merchant as recommendation schemes according to bill information, payment time limit data and payment preferential data of a plurality of target market management bills, attribute information and behavior data of the merchant;

the recommendation scheme is sent to a merchant terminal, and feedback data of the merchant aiming at the recommendation scheme is received, wherein the merchant terminal is used for displaying the recommendation scheme to the merchant;

Determining target processing rules for managing bills for a plurality of target markets selected by target merchants according to the feedback data, wherein the target processing rules at least comprise bill merging sub-rules, bill payment sub-rules and bill settlement allocation sub-rules;

and according to the target processing rules, interacting with the merchant terminal, and processing a plurality of target market management bills.

In one embodiment, interacting with a merchant terminal according to target processing rules, processing a plurality of target market management bills includes:

Combining the first target market management bills in the target market management bills to obtain corresponding first payment orders according to bill combining sub-rules, combining the second target market management bills in the target market management bills to obtain corresponding second payment orders, wherein the payment time limit data and/or payment preferential data of the first target market management bills associated with the first payment orders are matched, and the payment time limit data and/or payment preferential data of the second target market management bills associated with the second payment orders are matched;

Generating a plurality of first payment tasks for the first payment order and a plurality of second payment tasks for the second payment order according to the bill payment sub-rule;

according to the target processing rule, executing a plurality of first payment tasks and a plurality of second payment tasks in batches through interaction with a merchant terminal to obtain corresponding first payment resource data and second payment resource data;

According to the bill settlement allocation sub-rule, performing settlement verification and marketing on the first target market management bill in batches by using the first payment resource data; and carrying out settlement verification on the second target market management bill in batches by using the second payment resource data.

In one embodiment, after merging a first target market management bill of the plurality of target market management bills to obtain a corresponding first payment order according to the bill merging sub-rule, merging a second target market management bill of the plurality of target market management bills to obtain a corresponding second payment order, the method further comprises:

And merging the remaining third target market management bills in the plurality of target market management bills to obtain corresponding third payment orders.

In one embodiment, merging a first target market management bill of the plurality of target market management bills according to a bill merging sub-rule to obtain a corresponding first payment order includes:

Screening target market management bills with the time difference value of the verification expiration time and the current time smaller than the first reference time from a plurality of target market management bills as candidate target market management bills according to bill merging sub-rules and payment time limit data of the target market management bills;

Screening candidate target market management bills without preferential mutual exclusion from a plurality of candidate target market management bills as first target market management bills according to bill merging sub-rules and payment preferential data of the candidate market management bills;

And according to the bill merging sub-rule, merging the plurality of first target market management bills by utilizing bill information of the plurality of first target market management bills to obtain a corresponding first payment order.

In one embodiment, merging a second target market management bill of the plurality of target market management bills according to the bill merging sub-rule to obtain a corresponding second payment order includes:

determining a first remaining bill of the plurality of target market management bills except the first target market management bill;

According to the bill merging sub-rule and the payment preferential data of the first residual bills, eliminating bills with preferential mutual exclusion from the plurality of first residual bills to obtain a second target market management bill;

and according to the bill merging sub-rule, merging the plurality of second target market management bills by utilizing bill information of the plurality of second target market management bills to obtain corresponding second payment orders.

In one embodiment, performing settlement verification on the first target market management bill in batches using the first payment resource data according to a bill settlement allocation sub-rule comprises:

According to the bill settlement allocation sub-rule, the settlement verification of the current batch is carried out on the first target market management bill by utilizing the current first payment resource data fed back by the merchant for the current first payment task according to the following modes:

Determining a current time difference value between the current time and a verification and approval deadline of the first target market management bill and a current residual resource data value of the current residual verification and approval of the first target market management bill;

determining the priority weight of the first target market management bill according to the current time difference value and the current residual resource data value of the first target market management bill;

Dividing the current first payment resource data into a plurality of resource shares according to the priority weight of the first target market management bill, wherein one resource share corresponds to one first target market management bill;

And respectively carrying out settlement verification of the current batch on the corresponding first target market management bill by utilizing the plurality of resource shares.

In one embodiment, the target market management bill includes at least one of a market entry bill, a resource lease bill, a property management bill, a booth use fee bill, a loading and unloading service bill.

In one embodiment, after obtaining bill information, payment time limit data and payment preferential data of the target market management bill according to bill identifications of the plurality of target market management bills, and obtaining attribute information and behavior data of a merchant according to merchant identifications of the merchant, the method further comprises:

verifying the target market management bill by utilizing merchant information and bill information according to a preset verification rule;

Generating an error notification regarding the target market management bill when the target market management bill which is not checked is detected;

and sending the error report to the merchant terminal.

In one embodiment, generating a plurality of billing schemes matched with a merchant according to billing information, payment time limit data, payment preference data, and attribute information and behavior data of the merchant of a plurality of target markets management bills comprises:

Inquiring a preset bill processing rule base according to bill information of a plurality of target market management bills, and determining a plurality of matched bill processing rules, wherein the preset bill processing rule base stores a plurality of preset bill processing rules, and one preset bill processing rule at least corresponds to one bill type;

splicing corresponding bill information and bill processing rules of the target market management bill to obtain spliced bill processing rules;

and processing the spliced bill processing rules and the associated data of the merchant by using a preset decision model, and determining a plurality of bill processing schemes matched with the merchant.

In one embodiment, determining target processing rules for a plurality of target market management bills selected by a target merchant based on feedback data includes:

Determining a recommended scheme selected by the merchant as a target recommended scheme according to the feedback data;

detecting whether modification data aiming at a target recommended scheme exists in the feedback data;

detecting whether the modification data exceeds an authorized range or not in the case that the modification data for the target recommendation scheme is determined to exist;

Transmitting the modification data and the target recommendation scheme to a market management terminal under the condition that the modification data is determined to be beyond the authorized range, wherein the market management terminal determines whether to accept the modification data for the target recommendation scheme or not;

And receiving and responding to a confirmation acceptance instruction fed back by the market management terminal, and generating target processing rules for a plurality of target market management bills selected by target merchants according to the modification data and the target recommendation scheme.

In one embodiment, according to the target processing rule, by interacting with the merchant terminal, executing multiple first payment tasks and multiple second payment tasks in batches to obtain corresponding first payment resource data and second payment resource data, including:

according to the target processing rule, interacting with the merchant terminal in the following manner, and executing a first payment task of the current batch:

According to the target processing rule, monitoring whether to trigger the execution condition of the first payment task of the current batch;

under the condition that the execution condition triggering the first payment task of the current batch is determined, calculating current first payment resource data aiming at the current first payment task according to the bill payment sub-rule and the first payment order;

Generating a current first sub-order to be paid for the current first payment task according to the current first payment resource data;

the method comprises the steps of sending current first payment reminding information to a merchant terminal, wherein the current first payment reminding information at least carries a current first sub-order;

and receiving first payment resource data fed back by the merchant.

The specification also provides a processing device for market management bill, comprising:

The system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a multi-bill combination processing request initiated by a merchant terminal, and the multi-bill combination processing request at least carries bill identifications of a plurality of target market management bills selected by merchants and merchant identifications of the merchants;

The system comprises an acquisition module, a business identification module, a business attribute module and a behavior module, wherein the acquisition module is used for acquiring bill information, payment time limit data and payment preferential data of a target market management bill according to bill identifications of a plurality of target market management bills;

The generation module is used for generating a plurality of bill processing schemes matched with the merchant as recommendation schemes according to bill information, payment time limit data and payment preferential data of a plurality of target market management bills, and attribute information and behavior data of the merchant;

the interaction module is used for sending the recommended scheme to the merchant terminal and receiving feedback data of the merchant aiming at the recommended scheme, wherein the merchant terminal is used for displaying the recommended scheme to the merchant;

The system comprises a determining module, a target processing module and a processing module, wherein the determining module is used for determining target processing rules of managing bills for a plurality of target markets selected by target merchants according to feedback data, and the target processing rules at least comprise bill merging sub-rules, bill payment sub-rules and bill settlement allocation sub-rules;

And the processing module is used for interacting with the merchant terminal according to the target processing rules and processing a plurality of target market management bills.

The present specification also provides a server comprising a processor and a memory for storing processor executable instructions that when executed by the processor implement the relevant steps of the method of processing market management bills.

The present specification also provides a computer readable storage medium having stored thereon computer instructions which when executed by a processor implement the relevant steps of the method of processing market management bills.

Based on the processing method, the device and the server for the market management bill provided by the specification, when a merchant needs to pay related market management time to a market management party, a plurality of target market management bills to be paid can be selected through the merchant terminal at the same time, and a multi-bill combined processing request for the plurality of target market management bills is initiated. After receiving the multi-bill merging processing request, the server can acquire and comprehensively synthesize two different dimensions of time limit and preferential of the bill according to bill information, time limit data and preferential data of the target market management bill, automatically determine a plurality of bill processing schemes which are matched with the merchant and accord with interests and habits of the merchant as recommended schemes for the merchant to freely select, and then determine target processing rules of the bill for the plurality of target market management according to feedback data of the merchant aiming at the recommended schemes, and further process the bill for the plurality of target market management according to the target processing rules by interacting with a merchant terminal. Therefore, the method and the system can be well adapted to market management payment scenes, and enable merchants to flexibly select and conveniently finish payment and payment of a plurality of market management bills according to self conditions while considering payment time limit and payment preferential, meet diversified payment requirements of the merchants and improve interaction experience of the merchants.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure, the drawings that are required for the embodiments will be briefly described below, and the drawings described below are only some embodiments described in the present disclosure, and other drawings may be obtained according to these drawings without inventive effort for a person of ordinary skill in the art.

FIG. 1 is a flow chart of a method for processing market management bills according to one embodiment of the present disclosure;

FIG. 2 is a schematic diagram of one embodiment of a method of processing market management bills as provided by embodiments of the present disclosure, in one example scenario;

FIG. 3 is a schematic diagram of one embodiment of a method of processing market management bills provided by embodiments of the present disclosure, in one example scenario;

FIG. 4 is a schematic diagram of one embodiment of a method of processing market management bills provided by embodiments of the present disclosure, in one example scenario;

FIG. 5 is a schematic diagram of one embodiment of a method of processing market management bills as provided by embodiments of the present disclosure, in one example scenario;

FIG. 6 is a schematic diagram of one embodiment of a method of processing market management bills as provided by embodiments of the present disclosure, in one example scenario;

FIG. 7 is a schematic diagram of one embodiment of a method of processing market management bills as provided by embodiments of the present disclosure, in one example scenario;

FIG. 8 is a schematic diagram of the structural composition of a server provided in one embodiment of the present disclosure;

FIG. 9 is a schematic diagram showing the structural composition of a processing device for market management bill according to one embodiment of the present disclosure;

FIG. 10 is a schematic diagram of one embodiment of a method of processing market management bills provided by embodiments of the present disclosure, in one example scenario;

FIG. 11 is a schematic diagram of one embodiment of a method of processing market management bills provided by embodiments of the present disclosure, in one example scenario;

fig. 12 is a schematic diagram of an embodiment of a processing method for market management bill provided by the embodiment of the present disclosure, in one scenario example.

Detailed Description

In order to make the technical solutions in the present specification better understood by those skilled in the art, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.

It should be noted that, the information and data related to the user in the embodiments of the present disclosure are information and data authorized by the user or fully authorized by the related parties, and the processes of collecting, storing, using, processing, transmitting, providing, disclosing and applying the related data all comply with relevant laws and regulations and standards, take necessary security measures, do not violate the public welcome, and provide corresponding operation entries for the user or the related parties to select authorization or rejection.

It should also be noted that in the embodiments of the present disclosure, some existing solutions in the industry such as software, components, models, etc. may be mentioned, and they should be considered as exemplary, only for illustrating the feasibility of implementing the technical solution of the present disclosure, but not meant to imply that the applicant has or must not use the solution.

Referring to fig. 1, an embodiment of the present disclosure provides a method for processing a market management bill. The method is particularly applied to the server side. In particular implementations, the method may include the following:

s101, receiving a multi-bill combination processing request initiated by a merchant terminal, wherein the multi-bill combination processing request at least carries bill identifications of a plurality of target market management bills selected by merchants and merchant identifications of the merchants;

s102, acquiring bill information, payment time limit data and payment preferential data of the target market management bills according to bill identifications of the plurality of target market management bills, and acquiring attribute information and behavior data of a merchant according to merchant identifications of the merchant;

S103, generating a plurality of bill processing schemes matched with the commercial tenant as recommendation schemes according to bill information, payment time limit data and payment preferential data of the bill managed by the plurality of target markets, and attribute information and behavior data of the commercial tenant;

S104, sending the recommended scheme to a merchant terminal and receiving feedback data of the merchant aiming at the recommended scheme, wherein the merchant terminal is used for displaying the recommended scheme to the merchant;

s105, determining target processing rules for managing bills for a plurality of target markets selected by target merchants according to feedback data, wherein the target processing rules at least comprise bill merging sub-rules, bill payment sub-rules and bill settlement allocation sub-rules;

S106, interacting with the merchant terminal according to the target processing rule, and processing a plurality of target market management bills.

The payment time limit data may specifically include payment time limit information of a bill for each market management. The payment term information may specifically be a time difference between a current time and a verification expiration time of the market management bill.

Specifically, the market manager sets corresponding verification expiration times for different types of market management bills according to corresponding market management rules. For example, the expiration time for the property management bill is within 1 month of receiving the property management bill, that is, the merchant starts timing after receiving the property management bill, and the bill needs to be paid and paid within one month, otherwise, the expiration time is exceeded, and the payment and payment cannot be completed in a normal way, and even overdue penalties are generated.

The payment preference data may specifically include payment preference information for a part of market management bill, and related payment preference policies. The payment preferential strategy may include payment preferential conditions, preferential resource setting mode, preferential resource issuing mode, etc.

Specifically, in order to encourage merchants to pay relevant market management bills in time or in advance, market management parties sometimes set and develop corresponding payment preferential activities based on corresponding payment preferential strategies. For example, according to the first payment preference policy, the merchant is encouraged to pay and settle 100 yuan for the three bills of market entrance bill, resource lease bill and property management bill in this month, and enjoy the 10 yuan of preference immediately. For another example, according to the second payment preference policy, the merchant is encouraged to pay and settle up 200 yuan for the two types of bill payment, namely the booth use bill and the loading and unloading service bill, to enjoy the 8.5-fold preference, etc. It should be noted that, based on different payment preferential strategies, different payment preferential activities may have mutual exclusion or may be overlapped with each other.

In the implementation, according to the target processing bill, the server can combine a plurality of target market management bills selected by the merchant into one payment order, or two payment orders, even three or more payment orders, to realize the combination of a plurality of target market management bills, and further, the server can split the payment order into a plurality of payment orders for sub-payment settlement according to the mode of simultaneously considering the interests of the merchant and the personalized requirements of the merchant and matching with the merchant, so as to realize the settlement of a plurality of target market management bills. Thus, the processing of the management bill of a plurality of target markets can be well completed.

Based on the embodiment, the method and the device can be well adapted to market management payment scenes such as farmer wholesale markets, effectively give consideration to merchant payment time limit and payment preferential, and simultaneously enable merchants to flexibly select matched processing modes according to self conditions to efficiently and conveniently finish payment and payment of a plurality of market management bills, so that diversified payment requirements of the merchants can be well met, and interaction experience of the merchants is improved.

In some embodiments, the above server may be specifically understood as a server of the market payment management platform. The server can be connected with the merchant terminal and the market management terminal in a wired or wireless mode.

In this embodiment, the server may specifically include a background server applied to a side of the market payment management platform and capable of implementing functions such as data transmission and data processing. Specifically, the server may be, for example, an electronic device having data operation, storage function and network interaction function. Or the server may be a software program running in the electronic device that provides support for data processing, storage, and network interactions. In the present embodiment, the number of servers is not particularly limited. The server may be one server, several servers, or a server cluster formed by several servers.

In this embodiment, the merchant terminal and the market management terminal may include front ends that are applied to the side of the merchant and the market manager, and can implement functions such as data collection and data transmission. Specifically, the merchant terminal and the market management terminal may be electronic devices such as a desktop computer, a tablet computer, a notebook computer, a smart phone, and the like. Or the merchant terminal and the market management terminal can be software applications capable of running in the electronic equipment. For example, it may be some market management payment APP running on a smart phone, etc.

In specific implementation, the market manager can upload market management bills to be paid by merchants in the responsible market to the market management payment platform. The market management payment platform can distribute the market management bill to merchant terminals held by corresponding merchants according to bill information of the market management bill.

And the merchant terminal receives the market management bill and reminds and displays the market management bill to the merchant.

The method comprises the steps of prompting and displaying market management bills by a merchant terminal, enabling the merchant to respectively and independently pay the market management bills according to self conditions and individual preferences by performing corresponding operation on the merchant terminal, combining a plurality of market management bills by performing corresponding operation on the merchant terminal, carrying out statistical payment on the combined market management bills, and setting a plurality of times of payment in batches and carrying out multi-time payment by performing corresponding operation on the merchant terminal while combining the plurality of market management bills.

Therefore, the diversified payment requirements of merchants can be better met.

In some embodiments, the method for processing the market management bill can be specifically applied to farmer wholesale markets, building material markets, home appliance markets and the like.

Of course, it should be noted that the above listed markets are only a schematic illustration. In the specific implementation, the processing method of the market management bill can be further popularized and applied to other types of markets related to market management payment according to specific conditions and processing requirements. The present specification is not limited to this.

In some embodiments, the market management bill may be specifically understood as a payment bill that needs a merchant to make a payment, and relates to market management.

In the implementation, the merchant terminal can display the market management bill of the current payment to be paid to the merchant through the market management payment interface.

The merchant can click and select a plurality of market management bills to be combined and processed in the market management payment interface according to the self condition, and initiates the combined and processed operation of the selected plurality of market management bills.

Correspondingly, the merchant terminal can receive and respond to the related operation of the merchant through the market management payment interface to determine the market management bill selected by the merchant as a target market management bill, acquire the bill identification (such as bill number and the like) of the target market management bill and the merchant identification (such as merchant name, mobile phone number used when the merchant registers, merchant number and the like) of the merchant, automatically generate a corresponding multi-bill merging processing request, and send the multi-bill merging processing request to a server to request to merge the plurality of target market management bills selected by the merchant.

In some embodiments, the target market management bill may specifically include at least one of a market entrance bill, a resource rental bill, a property management bill, a booth use fee bill, a loading and unloading service bill, and the like.

It should be noted that the above listed target market management bill is only a schematic illustration. In particular, other types of market management bills, such as health bill, heating bill, etc., may also be included, depending on the particular market being targeted, as well as the particular payment circumstances. The present specification is not limited to this.

Based on the embodiment, the method and the device can be well adapted to market management payment scenes, and payment of various market management bills in the scenes can be comprehensively and effectively processed.

In some embodiments, after receiving a multi-bill merging request initiated by a merchant terminal, the server may parse the multi-bill merging request first, extract bill identifiers of a plurality of target market management bills to be merchant identifiers of the merchants, query a bill database according to the bill identifiers to obtain bill information of the target market management bills, and query the merchant database and historical behavior records of the merchants according to the merchant identifiers to obtain attribute information and behavior data of the merchants.

The bill information of the target market management bill can specifically comprise at least one of bill identification, bill type, generation time, merchant identification, booth information, payment mode and the like.

Specifically, the booth information may be the location information or number of the booth (or counter) in the market indicated by the target market management bill. The payment patterns described above may manage the period of fees covered by a bill for the target market, for example, a one month fee, or a one year fee, etc.

The attribute information of the merchant may specifically include at least one of a merchant identification, a merchant preference, a merchant tag, a merchant business category, and the like.

Specifically, the merchant preference may include a habit payment time of the merchant, a habit combination mode of the merchant, a habit payment mode of the merchant, and the like. In the implementation, the server can acquire and update the merchant preference according to the historical payment records of the merchant in the latest reference time period.

The merchant tag may include a credit tag of a merchant, etc. The server can cooperate with financial institutions such as banks, periodically acquire first credit evaluation information of the merchants based on financial transaction behaviors of the financial institutions, meanwhile, the server can acquire and calculate second credit evaluation information of the merchants based on market management payment according to historical payment records of the merchants in the latest reference time period of the merchants, the first credit evaluation information and the second credit evaluation information are combined again to reevaluate the credit of the merchants, and credit labels of the merchants are updated according to the latest credit of the merchants.

The behavior data of the merchant can specifically comprise at least one of a merchant historical payment record, a merchant interaction record with a market manager, a merchant historical business record and the like.

In some embodiments, after obtaining bill information, payment time limit data and payment preference data of the target market management bill according to bill identifications of the plurality of target market management bills, and obtaining attribute information and behavior data of a merchant according to merchant identifications of the merchant, referring to fig. 2, when the method is implemented, the method may further include the following:

S1, verifying a target market management bill by utilizing merchant information and bill information according to a preset verification rule;

s2, generating an error report prompt about a target market management bill when the target market management bill which is not checked is detected;

and S3, sending the error reporting prompt to the merchant terminal.

The method comprises the steps of carrying out verification, namely inquiring an electronic account for payment provided by a merchant when registering according to merchant information, detecting whether the electronic account is in a frozen state, and determining that verification fails when the electronic account is in the frozen state.

The method comprises the steps of determining information of a relevant booth according to the information of the bill, checking whether the booth indicated by the booth information is the booth where the merchant resides or not by inquiring a merchant database according to the information of the booth and the information of the merchant, and if not, determining that verification fails.

And when at least one target market management bill is determined to have the payment expiration date, determining that the verification is failed.

In the specific implementation, when it is determined that all of the plurality of target market management bills pass verification, subsequent data processing can be triggered. Conversely, upon detecting a verification of an failed target market management bill, subsequent data processing may be paused and an error notification may be generated regarding the target market management bill. The error report prompt at least carries a bill identification of the target market management bill which is checked to be failed.

In implementation, the server may send the error notification to the merchant terminal. And the merchant terminal displays the error report prompt to the merchant. Correspondingly, the merchant can reject the target market management bill which fails to pass the verification from the target market management bills selected before through the market management payment interface according to the error prompt, and obtain a plurality of corrected target market management bills. Accordingly, the server can perform subsequent data processing for the modified target market management bills.

And for the target market management bill which is checked to pass, the merchant can select the compensation icon through the market management payment interface so as to trigger the compensation payment processing of the target market management bill.

Based on the above embodiment, the target market management bill can be checked in advance according to the preset checking rule by using the merchant information and the bill information, so that the data processing of a plurality of target market management bills can be completed relatively more accurately.

In some embodiments, referring to fig. 3, the generating a plurality of bill processing schemes matched with the merchant according to the bill information, the payment time limit data, the payment preference data, and the attribute information and the behavior data of the merchant of the bill managed by the plurality of target markets may include the following when implemented:

S1, inquiring a preset bill processing rule base according to bill information of a plurality of target market management bills, and determining a plurality of matched bill processing rules, wherein the preset bill processing rule base stores a plurality of preset bill processing rules, and one preset bill processing rule at least corresponds to one bill type;

S2, splicing corresponding bill information and bill processing rules of the target market management bill to obtain spliced bill processing rules;

And S3, processing the spliced bill processing rules and the associated data of the merchant by using a preset decision model, and determining a plurality of bill processing schemes matched with the merchant.

Based on the embodiment, factors of multiple dimensions such as payment time limit, payment preference and behavior preference of the merchant can be integrated at the same time, and a bill processing scheme which meets the requirements of the merchant with high probability is automatically and accurately determined and used as a recommendation scheme for the merchant to select, so that the merchant can obtain relatively better interaction experience.

The preset bill processing rule base may store a plurality of preset bill processing rules, where each preset bill processing rule corresponds to at least one bill type.

Before implementation, the market manager may set corresponding bill processing rules for each type of market management bill according to related market management rules through the market management terminal, as corresponding preset bill processing rules.

The preset bill processing rules may specifically include limitation of merging operation, settlement operation, preferential operation and time limit operation for the corresponding type of bill.

The preset decision model can be specifically understood as a neural network model which can automatically combine and use a plurality of bill processing rules based on input spliced bill processing rules and associated data of merchants to generate and output bill processing schemes meeting the requirements of the merchants by utilizing a large amount of sample data in advance and performing deep reinforcement learning.

And when the spliced bill processing rules and the associated data of the merchants are processed by using a preset decision model, the model can combine the limiting elements of the related various bill processing rules according to training and mastering knowledge, take the payment time limit data as constraint conditions, jointly perform preferential resource data values calculated based on the payment preferential data and optimization solution of merchant satisfaction calculated based on the associated data of the merchants to obtain a plurality of bill processing schemes by converging, and serve as recommendation schemes. And the server can send the recommended proposal to the merchant terminal, and the merchant terminal displays the recommended proposal to the merchant.

Accordingly, the merchant can select one of the recommended schemes which best meets the needs of the merchant through the operation of the merchant terminal as the target recommended scheme. Furthermore, the merchant can directly accept the target recommended scheme, and can also modify the target recommended scheme based on the actual requirement of the merchant to complete the feedback of the displayed recommended scheme. The merchant terminal can receive the feedback data and send the feedback data to the server.

In some embodiments, referring to fig. 4, the determining, according to the feedback data, the target processing rule for managing bills for a plurality of target markets selected by the target merchants may include the following when implemented:

S1, determining a recommended scheme selected by a merchant as a target recommended scheme according to feedback data;

S2, detecting whether modification data aiming at a target recommended scheme exists in the feedback data;

S3, detecting whether the modification data exceeds an authorized range or not under the condition that the modification data aiming at the target recommended scheme is determined to exist;

S4, under the condition that the modification data is determined to be beyond the authorized range, the modification data and the target recommendation scheme are sent to the market management terminal, wherein the market management terminal determines whether to accept the modification data for the target recommendation scheme or not;

and S5, receiving and responding to a confirmation acceptance instruction fed back by the market management terminal, and generating target processing rules for a plurality of target market management bills selected by target merchants according to the modification data and the target recommendation scheme.

The modification data may specifically include at least one of modification data for a payment channel, modification data for a total number of batches paid in batches, modification data for an interval time between adjacent batches paid in batches, modification data for a combination mode of bill combination, modification data for resource data paid in a single batch, modification data for an allocation ratio of resource data at the time of settlement and verification of different bills in the same batch, and the like.

Based on the embodiment, the server can accurately determine the target processing rules of the bill management aiming at a plurality of target markets according to the feedback data of the merchants, and better meets the diversified business requirements of the merchants.

In the specific implementation, the server can directly call the rule engine to automatically generate the corresponding target processing rule according to the target recommendation scheme when the modification data aiming at the target recommendation scheme is not detected after the target recommendation scheme is determined according to the feedback data.

The rule engine can be specifically understood as a component which can be embedded into an application program, before specific implementation, the processing rule can be separated from the code program, the writing of the processing rule is completed by using a predefined semantic module, a specific scheme is analyzed by the rule engine and the processing rule is formed, and rule control is not needed to be realized by writing codes. In specific implementation, the rule engine loads the configured processing rules into the memory, so that the system can perform corresponding data processing on a plurality of target market management bills according to the established processing rules.

When the server detects that the modified data aiming at the target recommended scheme exists, the server can detect whether the modified data exceeds the authorized range according to the preset modification authority range, can modify the target recommended scheme according to the modified data under the condition that the authorized range is not exceeded, and then invokes a rule engine to automatically generate a corresponding target processing rule according to the modified recommended scheme.

In contrast, in the case that the authorized range is determined to be exceeded, the modification data and the target recommendation scheme can be sent to the market management terminal for specific verification. And the modified data and the target recommended scheme are sent to the market management terminal, and meanwhile, the merchant identification of the merchant and the contact way of the merchant can be sent to the market management terminal. The market manager can manually check and determine whether to accept the modified data of the merchant according to the modified data of the merchant and the target recommended scheme selected by the merchant, which are displayed by the market management terminal, or the market manager can contact the merchant to further conduct negotiation and discussion so as to determine the final target recommended scheme. And the market management terminal returns the final target recommended scheme to the server so that the server generates a corresponding target processing rule according to the final target recommended scheme.

In some embodiments, referring to fig. 5, the above-mentioned interaction with the merchant terminal according to the target processing rule, processing multiple target market management bills, when implemented, may include the following:

the method comprises the steps of S1, merging first target market management bills in a plurality of target market management bills to obtain corresponding first payment orders according to bill merging sub-rules, merging second target market management bills in the plurality of target market management bills to obtain corresponding second payment orders, wherein payment time limit data and/or payment preferential data of the first target market management bills associated with the first payment orders are matched, and payment time limit data and/or payment preferential data of the second target market management bills associated with the second payment orders are matched;

s2, generating a plurality of first payment tasks related to the first payment order and a plurality of second payment tasks related to the second payment order according to the bill payment sub-rule;

S3, according to the target processing rule, executing a plurality of first payment tasks and a plurality of second payment tasks in batches through interaction with the merchant terminal to obtain corresponding first payment resource data and second payment resource data;

And S4, according to the bill settlement allocation sub-rule, performing settlement verification on the first target market management bill by batches by using the first payment resource data, and performing settlement verification on the second target market management bill by batches by using the second payment resource data.

Wherein the first reference time may be set by the market manager through the market management terminal.

Based on the above embodiment, the server can automatically complete operations such as bill merging, batch payment, batch settlement verification and the like by interacting with the merchant terminal according to the target processing rule, and assist the merchant to efficiently and conveniently complete data processing of multiple bills.

In some embodiments, the target processing rules may include, in particular, bill merge sub-rules, bill pay sub-rules, bill settlement allocation sub-rules, and the like.

In particular, according to the bill merging sub-rule, a plurality of target management bills can be merged into one payment order (for example, a first payment order), two payment orders (for example, a first payment order and a second payment order), three payment orders (for example, a first payment order, a second payment order and a third payment order) and the like according to different scene conditions.

Wherein the payment time limit data and/or payment preferential data of different target market management bills belonging to the same payment order are matched with each other. And unified payment settlement can be performed on target market management bills contained in the same payment order.

Specifically, for example, when the distances between all the target market management bills and the verification expiration time are longer (for example, the time difference between the current time and the verification expiration time is greater than or equal to the first reference time), that is, the target market management bills need to be verified and verified in a short time (for example, within 1 week), and no payment preferential activity exists, only one payment preferential activity exists, or a plurality of non-mutually exclusive payment preferential activities exist, all the target market management bills can be combined into one payment order and recorded as the first payment order.

For example, when there is a target market management bill with a shorter expiration time (e.g., the difference between the current time and the expiration time is less than the first reference time), and there is no payment offer, or there is only one payment offer, or there is a plurality of non-mutually exclusive payment offers, all target market management bills may be combined into two payment orders, namely, a first payment order and a second payment order. The target market management bill contained in the first payment order may be a bill with a shorter distance from the verification deadline, that is, a bill with mutually matched payment time limit data and mutually matched payment preferential data, and the target market management bill contained in the second payment order may be a bill with a longer distance from the verification deadline, that is, a bill with mutually matched payment time limit data and mutually matched payment preferential data.

For example, when a part of target market management bills are shorter than the cancel-cancel deadline, and a plurality of payment preferential activities exist, and mutual exclusion exists in the part of payment preferential activities, all target market management bills can be combined into three payment orders, namely a first payment order, a second payment order and a third payment order. The target market management bill contained in the first payment order may be a bill with a shorter distance to cancel the expiration time, the target market management bill contained in the second payment order may be a bill with a longer distance to cancel the expiration time and participate in a first type of payment preferential activity with mutual exclusion or a bill not participating in preferential activity, and the target market management bill contained in the third payment order may be a bill with a longer distance to cancel the expiration time and participate in a second type of payment preferential activity with mutual exclusion.

According to the thought, for more complex situations, four payment orders, or even more payment orders, can be obtained by combining according to the bill combining sub-rule.

In specific implementation, corresponding multiple payment tasks can be respectively generated and established according to bill payment sub-rules for different payment orders, and corresponding task execution time is set. And further, the corresponding payment tasks can be automatically triggered and executed in batches according to the task execution time, so that merchants can pay corresponding payment resource data in batches on time according to a finally determined scheme, and batch payment is completed.

The payment resource data may be funds data, credit data, coupon data, etc.

In addition, the execution condition of the payment tasks of each batch can be automatically followed according to the related rules, and the merchant is timely reminded, so that the loss caused by the condition that the merchant omits payment of a certain batch due to negligence is avoided.

In the specific implementation, the bill characteristics of bills managed by different target markets in the same payment order can be distinguished according to bill settlement allocation sub-rules according to the payment resource data received by each batch, and the corresponding payment resource data is automatically and reasonably allocated to complete specific bill settlement verification, so that the benefit of merchants is prevented from being lost.

In some embodiments, after merging a first target market management bill of the plurality of target market management bills to obtain a corresponding first payment order according to the bill merging sub-rule, merging a second target market management bill of the plurality of target market management bills to obtain a corresponding second payment order, the method may further comprise, when embodied:

Based on the above embodiment, according to the bill merging sub-rule, a plurality of target market management bills can be accurately merged into three different payment orders, so that corresponding payment tasks and settlement verification can be respectively carried out on different payment orders later, and relatively better processing effects are obtained.

In some embodiments, the merging, according to the bill merging sub-rule, the first target market management bill in the plurality of target market management bills to obtain the corresponding first payment order may include the following when implemented:

s1, screening target market management bills with the time difference value of the verification expiration time and the current time smaller than a first reference time from a plurality of target market management bills as candidate target market management bills according to bill merging sub-rules and payment time limit data of the target market management bills;

S2, screening candidate target market management bills without preferential mutual exclusion from a plurality of candidate target market management bills as first target market management bills according to bill merging sub-rules and payment preferential data of the candidate market management bills;

And S3, according to the bill merging sub-rule, merging the plurality of first target market management bills by utilizing bill information of the plurality of first target market management bills to obtain a corresponding first payment order.

In the specific screening, on the premise of screening candidate target market management bills without preferential mutual exclusion from a plurality of candidate target market management bills, candidate target market management bills with the total number of resources meeting preferential conditions can be screened out as far as possible to serve as first target market management bills. For example, M candidate target market management bills having a total of just 100 may be screened as a set of first target market management bills, and a first payment order may be established. And then screening N candidate target market management bills with the total number of resources just being 100 from the rest bills, taking the N candidate target market management bills as another group of second target market management bills, establishing a second first payment order and the like. And the like, finally dividing the rest bills into a group, and establishing the last first payment order.

Based on the above embodiment, according to the bill merging sub-rule, the first target market management bill meeting the requirements can be accurately determined from the multiple target market management bills to be combined, and the first payment order with good effect is obtained through merging.

In some embodiments, the merging, according to the bill merging sub-rule, the second target market management bill in the plurality of target market management bills to obtain the corresponding second payment order may include the following when implemented:

S1, determining first residual bills except for a first target market management bill in a plurality of target market management bills;

S2, eliminating the bill with preferential mutual exclusion from the first residual bills according to the bill merging sub-rule and the payment preferential data of the first residual bills, and obtaining a second target market management bill;

And S3, according to the bill merging sub-rule, merging the plurality of second target market management bills by utilizing bill information of the plurality of second target market management bills to obtain a corresponding second payment order.

Based on the above embodiment, according to the bill merging sub-rule, the second target market management bill meeting the requirements can be determined more accurately from the plurality of target market management bills to be combined, and the second payment order with better effect is obtained through merging.

In some embodiments, the foregoing steps of executing a plurality of first payment tasks and a plurality of second payment tasks in batches according to the target processing rule by interacting with the merchant terminal, and obtaining corresponding first payment resource data and second payment resource data, when specifically implemented, referring to fig. 6, may include, according to the target processing rule, executing a first payment task of a current batch by interacting with the merchant terminal in the following manner:

S1, monitoring whether to trigger the execution condition of a first payment task of a current batch according to a target processing rule;

s2, under the condition that the execution condition of triggering the first payment task of the current batch is determined, calculating current first payment resource data aiming at the current first payment task according to the bill payment sub-rule and the first payment order;

s3, generating a current first sub-order to be paid for the current first payment task according to the current first payment resource data;

s4, sending current first payment reminding information to the merchant terminal, wherein the current first payment reminding information at least carries a current first sub-order;

s5, receiving first payment resource data fed back by the merchant.

Based on the above embodiment, for different payment orders, according to the above manner, corresponding payment tasks can be automatically executed in batches according to the target processing rule, and the payment resource data fed back by the merchant is received, so that the payment tasks of the corresponding batches can be successfully completed, and further, the payment for the payment orders can be completely completed.

In particular, the server may monitor in real time whether a time interval from a start time of the first payment task of the previous batch to a current time reaches a trigger time length (for example, 1 month) according to the target processing rule, and if the time interval is monitored to reach the trigger time length, determine an execution condition of the first payment task of the current batch.

The server can also determine an execution plan time table of the first payment tasks of each batch of the first payment order according to the processing rule, determine the execution plan time of the first payment tasks of the current batch according to the execution plan time table, monitor whether the current time is the execution plan time of the first payment tasks of the current batch, and if so, determine the execution condition of the first payment tasks of the current batch.

In the implementation, after the current first payment reminding information is sent to the merchant terminal, the first payment resource data fed back by the merchant can be monitored and received in the second reference time corresponding to the merchant.

The second reference time can be determined according to the following modes that the payment period after the merchant is reminded is obtained and determined according to behavior data of the merchant, and the second reference time for the merchant is determined according to the payment period.

When the first payment resource data is not received within the second reference time, a secondary reminding message related to the first payment reminding message can be generated, a plurality of contact modes (including a mailbox, a mobile phone number, a social media and the like) of the merchant are determined, and the secondary reminding message is sent to the merchant based on the plurality of contact modes, so that the merchant is touched and reminded more effectively.

If the first payment resource data is not received two days before the appointed period, an interaction prompt can be sent to the market management terminal, so that the market management party can timely schedule the market management personnel to go to the stall site prompt of the merchant. Therefore, loss of the merchant caused by forgetting can be effectively avoided.

In some embodiments, when the foregoing accounting and verification are performed on the first target market management bill by batches according to the bill settlement allocation sub-rule by using the first payment resource data, referring to fig. 7, according to the bill settlement allocation sub-rule, the accounting and verification of the current batch may be performed on the first target market management bill by using the current first payment resource data fed back by the merchant for the current first payment task according to the following manner:

s1, determining a current time difference value between the current time and the verification and approval deadline of a first target market management bill and a current residual resource data value of the current residual verification and approval of the first target market management bill;

s2, determining the priority weight of the first target market management bill according to the current time difference value and the current residual resource data value of the first target market management bill;

S3, dividing the current first payment resource data into a plurality of resource shares according to the priority weight of the first target market management bill, wherein one resource share corresponds to one first target market management bill;

and S4, respectively carrying out settlement verification and marketing of the current batch on the corresponding first target market management bill by utilizing the plurality of resource shares.

Based on the above embodiment, for different target market management bills to be accounted and approved in the same batch and the same payment order, the payment resource data of the current batch can be finely and accurately distributed according to the bill accounting and distribution sub-rule, so as to intelligently and reasonably complete the accounting and approval of the related bills.

In the specific implementation, according to the bill settlement allocation sub-rule, for the bill with relatively short cancel-out deadline and relatively large residual resource data value, a relatively large priority weight can be set so as to allocate and obtain relatively large resource share in the settlement cancel-out of the current batch, thereby relatively quickly completing the complete settlement cancel-out of the bill and avoiding damage to the rights and interests of merchants due to exceeding the cancel-out deadline.

In addition, in the implementation, according to the bill settlement allocation sub-rule, the priority weight of each target market management bill can be more accurately determined by simultaneously acquiring and using the bill type of the target market management bill, the importance degree of the bill and other information as auxiliary reference basis.

In some embodiments, in implementation, the target processing rules finally determined by the merchant and the market manager and the payment orders combined based on the target processing rules may be stored in the corresponding blocks in the blockchain for subsequent retrospective query.

As can be seen from the above, based on the processing method of the market management bill provided in the embodiments of the present disclosure, when a merchant needs to pay the market management party for related market management, the merchant terminal may simultaneously select a plurality of target market management bills to be paid, and initiate a multi-bill combined processing request for the plurality of target market management bills. After receiving the multi-bill merging processing request, the server can acquire and integrate two different dimensions of time limit and preferential of the market management bill according to bill information, time limit data and preferential data of the target market management bill, automatically determine a plurality of bill processing schemes matched with the merchant as recommended schemes for the merchant, determine target processing rules for the plurality of target market management bills according to feedback data of the merchant for the recommended schemes, and interact with the merchant terminal according to the target processing rules to process the plurality of target market management bills. Therefore, the method and the device can be well adapted to market management payment scenes, effectively give consideration to the payment time limit and payment preferential preference of the merchant, and enable the merchant to flexibly select and conveniently finish payment and payment of a plurality of market management bills according to self conditions in a matched processing mode, so that diversified payment requirements of the merchant are met, and interaction experience of the merchant is improved.

The embodiment of the present disclosure provides a server, and is shown in fig. 8. The server includes a network communication port 801, a processor 802, and a memory 803, which are connected by an internal cable, so that each structure may perform specific data interaction.

The network communication port 801 may be specifically configured to receive a multi-bill merging request initiated by a merchant terminal, where the multi-bill merging request at least carries bill identifiers of a plurality of target market management bills selected by a merchant and merchant identifiers of the merchant.

The processor 802 may be specifically configured to obtain bill information, payment time limit data, and payment preference data of a target market management bill according to bill identifiers of a plurality of target market management bills, obtain attribute information and behavior data of a merchant according to the merchant identifiers of the merchant, generate a plurality of bill processing schemes matched with the merchant according to the bill information, the payment time limit data, the payment preference data, and the attribute information and the behavior data of the merchant, as a recommendation scheme, send the recommendation scheme to a merchant terminal, and receive feedback data of the merchant for the recommendation scheme, wherein the merchant terminal is configured to display the recommendation scheme to the merchant, determine target processing rules of the plurality of target market management bills selected by the target merchant according to the feedback data, where the target processing rules at least include a bill merge sub-rule, a bill payment sub-rule, and a bill settlement sub-rule, and interact with the merchant terminal according to the target processing rules, and process the plurality of target market management bills.

The memory 803 may be specifically configured to store relevant data such as a corresponding instruction program and a target processing rule.

Based on the method, the related structural performance of the server can be effectively utilized, the data processing speed of the electronic equipment is improved, and the data processing of the market management bill is efficiently realized.

In this embodiment, the network communication port 801 may be a virtual port that binds with different communication protocols, so that different data may be sent or received. For example, the network communication port may be a port responsible for performing web data communication, a port responsible for performing FTP data communication, or a port responsible for performing mail data communication. The network communication port may also be an entity's communication interface or a communication chip. For example, it may be a wireless mobile network communication chip such as GSM, CDMA, etc., it may also be a Wifi chip, it may also be a bluetooth chip.

In this embodiment, the processor 802 may be implemented in any suitable manner. For example, a processor may take the form of, for example, a microprocessor or processor, and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application SPECIFIC INTEGRATED Circuits (ASICs), programmable logic controllers, and embedded microcontrollers, among others. The description is not intended to be limiting.

In this embodiment, the memory 803 may include multiple levels, and in a digital system, the memory may be any memory as long as binary data can be stored, in an integrated circuit, a circuit with a memory function without a physical form, such as RAM, FIFO, etc., and in a system, a memory device with a physical form, such as a memory bank, TF card, etc.

The embodiment of the specification also provides a computer readable storage medium based on the market management bill processing method, wherein the computer readable storage medium stores computer program instructions, when the computer program instructions are executed, the computer program instructions are used for receiving a multi-bill merging processing request initiated by a merchant terminal, wherein the multi-bill merging processing request at least carries bill identifications of a plurality of target market management bills selected by the merchant and merchant identifications of the merchant, acquiring bill information, payment time limit data and payment preference data of the target market management bill according to the bill identifications of the plurality of target market management bills, acquiring attribute information and behavior data of the merchant according to the merchant identifications of the merchant, generating a plurality of bill processing schemes matched with the merchant according to the bill information, payment time limit data and the attribute information and behavior data of the merchant, and sending the recommended scheme to the merchant terminal as a recommended scheme and receiving feedback data aiming at the recommended scheme of the merchant, wherein the terminal is used for displaying the recommended scheme to the merchant, and according to the feedback data, the target market management bill is matched with the target market management bill processing rules, and the target market management bill management rules at least comprise the target market management bill, the sub-bill processing rules and the target market management bill management rules.

In the present embodiment, the storage medium includes, but is not limited to, a random access Memory (Random Access Memory, RAM), a Read-Only Memory (ROM), a Cache (Cache), a hard disk (HARD DISK DRIVE, HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.

In this embodiment, the functions and effects of the program instructions stored in the computer readable storage medium may be explained in comparison with other embodiments, and are not described herein.

The embodiment of the specification also provides a computer program product, which at least comprises a computer program, and when the computer program is executed by a processor, the method comprises the following steps of receiving a multi-bill merging processing request initiated by a merchant terminal, wherein the multi-bill merging processing request at least carries bill identifications of a plurality of target market management bills selected by the merchant and merchant identifications of the merchant, acquiring bill information, payment time limit data and payment preferential data of the target market management bills according to the bill identifications of the plurality of target market management bills, acquiring attribute information and behavior data of the merchant according to the merchant identifications of the merchant, generating a plurality of bill processing schemes matched with the merchant according to the bill information, payment time limit data and payment preferential data of the plurality of target market management bills, and generating feedback data of the merchant aiming at the recommendation scheme to the merchant terminal as the recommendation scheme, wherein the merchant terminal is used for displaying the recommendation scheme to the merchant, determining target processing rules aiming at the target market management of the merchant according to the feedback data, and distributing the target processing rules of the merchant, wherein the target market management bill processing rules at least comprise the bill processing rules, the target market management sub-rules and the bill processing rules, and the target market management sub-rules according to the bill management rules.

Referring to fig. 9, the embodiment of the present disclosure further provides a processing device for market management bill, where the device may specifically include the following structural modules:

The receiving module 901 may be specifically configured to receive a multi-bill merging request initiated by a merchant terminal, where the multi-bill merging request at least carries bill identifiers of a plurality of target market management bills selected by a merchant and merchant identifiers of the merchant;

the obtaining module 902 may be specifically configured to obtain bill information, payment time limit data, and payment preference data of the target market management bill according to bill identifiers of the plurality of target market management bills, and obtain attribute information and behavior data of a merchant according to a merchant identifier of the merchant;

the generating module 903 may be specifically configured to generate, as a recommendation scheme, a plurality of bill processing schemes matched with a merchant according to bill information, payment time limit data, payment preference data, and attribute information and behavior data of the merchant of a plurality of target markets management bills;

The interaction module 904 may be specifically configured to send the recommended solution to a merchant terminal and receive feedback data of the merchant for the recommended solution, where the merchant terminal is configured to display the recommended solution to the merchant;

the determining module 905 may be specifically configured to determine, according to the feedback data, a target processing rule for managing bills for a plurality of target markets selected by a target merchant, where the target processing rule at least includes a bill merging sub-rule, a bill payment sub-rule, and a bill settlement allocation sub-rule;

the processing module 906 may be specifically configured to interact with the merchant terminal according to the target processing rule to process a plurality of target market management bills.

In some embodiments, the processing module 906 may interact with the merchant terminal according to a target processing rule when implementing the processing module, and process a plurality of target market management bills according to a bill merging sub-rule, where the first target market management bill associated with the first payment order matches with payment time limit data and/or payment offer data of the first target market management bill, and the second target market management bill associated with the second payment order matches with payment time limit data and/or payment offer data of the second target market management bill, generate a plurality of first payment tasks related to the first payment order and a plurality of second payment tasks related to the second payment order according to a bill merging sub-rule, execute the plurality of first payment tasks and the plurality of second payment tasks in batches to obtain corresponding first payment orders by interacting with the merchant terminal according to the target processing rule, and settle the first payment tasks and the plurality of second payment tasks by using the first payment resources and the second payment resources according to the target processing rule, and settle the second target market management bill by using the first payment resources and the second payment resources.

In some embodiments, after merging a first target market management bill of the plurality of target market management bills to obtain a corresponding first payment order according to the bill merging sub-rule, merging a second target market management bill of the plurality of target market management bills to obtain a corresponding second payment order, the apparatus may be further configured to merge a third target market management bill remaining in the plurality of target market management bills to obtain a corresponding third payment order when embodied.

In some embodiments, the processing module 906 may be configured to combine the first target market management bill of the plurality of target market management bills according to the bill combining sub-rule to obtain the corresponding first payment order, screen out the target market management bill of which the time difference between the verification expiration time and the current time is less than the first reference time from the plurality of target market management bills according to the bill combining sub-rule and the payment time limit data of the target market management bill, screen out the candidate target market management bill of which there is no preferential mutex from the plurality of candidate target market management bills according to the bill combining sub-rule and the payment time preference data of the candidate market management bill to obtain the first target market management bill, and combine the plurality of first target market management bills according to the bill combining sub-rule by using bill information of the plurality of first target market management bills to obtain the corresponding first payment order.

In some embodiments, the processing module 906 may be configured to combine the second target market management bills of the plurality of target market management bills according to the bill combining sub-rule to obtain the corresponding second payment order, where the processing module includes determining first remaining bills of the plurality of target market management bills other than the first target market management bill, removing bills with preferential mutexes from the plurality of first remaining bills according to the bill combining sub-rule and payment offer data of the first remaining bills to obtain the second target market management bill, and combining the plurality of second target market management bills according to the bill combining sub-rule by using bill information of the plurality of second target market management bills to obtain the corresponding second payment order.

In some embodiments, when the processing module 906 is specifically implemented, according to the bill settlement allocation sub-rule, the current first payment resource data fed back by the merchant for the current first payment task is utilized to perform settlement verification of the current batch on the first target market management bill, in which a current time difference between the current time and the verification expiration time of the first target market management bill and a current remaining resource data value of the first target market management bill to be verified and verified are determined, a priority weight of the first target market management bill is determined according to the current time difference and the current remaining resource data value of the first target market management bill, the current first payment resource data is divided into a plurality of resource shares according to the priority weight of the first target market management bill, one resource share corresponds to one first target market management bill, and the corresponding first target market management bill is respectively verified and verified in the current batch by using the plurality of resource shares.

In some embodiments, the target market management bill may specifically include at least one of a market entry bill, a resource rental bill, a property management bill, a booth use fee bill, a loading and unloading service bill, and the like.

In some embodiments, after obtaining bill information, payment time limit data and payment preferential data of the target market management bill according to bill identifications of a plurality of target market management bills and obtaining attribute information and behavior data of a merchant according to merchant identifications of the merchant, the device can be used for checking the target market management bill by utilizing merchant information and bill information according to preset checking rules when being implemented, generating an error reporting prompt related to the target market management bill when the target market management bill which is not checked is detected, and sending the error reporting prompt to a merchant terminal.

In some embodiments, when the generating module 903 is specifically implemented, a plurality of bill processing schemes matched with the merchant may be generated according to bill information, payment time limit data, payment preference data, attribute information and behavior data of the merchant according to a plurality of target market management bills, and a preset bill processing rule base is queried to determine the matched plurality of bill processing rules according to the bill information of the plurality of target market management bills, wherein the preset bill processing rule base stores a plurality of preset bill processing rules, one preset bill processing rule corresponds to at least one bill type, the bill information and the bill processing rule of the corresponding target market management bills are spliced to obtain a spliced bill processing rule, the attribute information and the behavior data of the merchant are spliced to obtain associated data of the merchant, and the plurality of bill processing schemes matched with the merchant are determined by using the spliced bill processing rule of the preset decision model and the associated data of the merchant.

In some embodiments, the determining module 905 may determine, according to the feedback data, a target processing rule for the target market management bill selected by the target merchant according to the feedback data, determine, according to the feedback data, a recommended scheme selected by the merchant as the target recommended scheme, detect whether there is modification data for the target recommended scheme in the feedback data, detect whether the modification data exceeds an authorized range if the modification data for the target recommended scheme is determined to exist, send the modification data and the target recommended scheme to the market management terminal if the modification data exceeds the authorized range, wherein the market management terminal determines whether to accept the modification data for the target recommended scheme, receive and respond to a confirmation acceptance instruction fed back by the market management terminal, and generate, according to the modification data and the target recommended scheme, the target processing rule for the target market management bill selected by the target merchant.

In some embodiments, when the processing module 906 is specifically implemented, the processing module may interact with the merchant terminal according to the target processing rule, to execute the first payment task of the current batch, by monitoring whether to trigger an execution condition of the first payment task of the current batch according to the target processing rule, calculating current first payment resource data for the current first payment task according to the bill payment sub-rule and the first payment order if the execution condition of the first payment task of the current batch is determined, generating a current first sub-order to be paid for the current first payment task according to the current first payment resource data, and sending current first payment reminding information to the merchant terminal, wherein the current first payment reminding information at least carries the current first sub-order, and receiving the first payment resource data fed back by the merchant.

It should be noted that, the units, devices, or modules described in the above embodiments may be implemented by a computer chip or entity, or may be implemented by a product having a certain function. For convenience of description, the above devices are described as being functionally divided into various modules, respectively. Of course, when the present description is implemented, the functions of each module may be implemented in the same piece or pieces of software and/or hardware, or a module that implements the same function may be implemented by a plurality of sub-modules or a combination of sub-units, or the like. The above-described apparatus embodiments are merely illustrative, for example, the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

From the above, based on the processing device of the market management bill provided by the embodiment of the specification, the processing device can be well adapted to market management payment scenes, and when the payment time limit and the payment preferential of the merchant are effectively considered, the merchant can flexibly select and conveniently complete payment of a plurality of market management bills according to the conditions of the merchant, so that diversified payment requirements of the merchant are met, and the interaction experience of the merchant is improved.

In one specific example of a scenario, the marketplace management bill processing method provided in the present specification may be applied to achieve configurable support billing for the farm batch marketplace and multiple payments. The specific implementation process can be referred to as follows.

In this scenario example, consider that in farmer wholesale markets, the interaction scenario between market manager and merchant party involving payment is often frequent, such as in-and-out scenario (corresponding to market entrance bill), resource rental scenario (corresponding to resource rental bill), etc. However, the most common payment mode in the agricultural market at present is that one bill is required to complete full payment at one time, and a plurality of bills are required to be paid for a plurality of times, and the payment mode sometimes causes pressure on funds turnover for merchants, and meanwhile, the operation time of the merchants is prolonged, so that the experience of the merchants is reduced. In particular. The existing party has the defects that (1) single bill multi-payment is not supported, (2) multi-bill combined payment is not supported, and (3) multi-bill combined multi-payment is not supported. Causing pressure to easily appear on the fund surface of the merchant and affecting the experience of the merchant.

In order to relieve merchant fund pressure and improve merchant experience, similar staged payment and bill combined payment of merchants are met, and the merchants are enabled to promote the healthier and sustainable development of the agricultural batch market more actively. The scheme not only supports the previous payment mode, but also provides a single account multi-payment (two or more) mode, the multiple bills are combined into one or more payment modes, and the payment mode is more flexible, so that the merchant can customize and select a payment mode according to own needs. Meanwhile, in order to promote payment enthusiasm of merchants, a certain amount of preferential can be obtained by renewing the payment in advance, for example, 10000 preferential 500 yuan is paid, and users need to consider the preferential amount to be reduced when paying the payment.

Since multiple payments and consolidated payments, and multiple payments after consolidation, require many business rules to control the various possible scenarios of billing. The method and the system have the advantages that a rule engine is introduced to complete analysis of service rules and final service decisions, a flexible payment rule configuration page (such as a market management payment interface) is introduced, flexible support of a service system to multiple payment modes is realized, new rule application can be completed without changing codes and system release on-line, and service system efficiency and user experience are improved.

Because payment is a serious and half-point error-tolerant scene, a payment verification mechanism needs to be introduced into a payment platform (such as a market payment management platform) to help complete verification functions (such as verification of target market management bills) such as validity and whether the payment account is frozen or not, and other aspects such as a caching mechanism realize quick retrieval of data. Specifically, referring to fig. 10, the following architecture may be introduced and used to construct the overall architecture of the bill pay service system:

(1) Introducing rules engine

The rule engine is a component which can be embedded into an application program, can separate business decisions from a code program, completes the writing of the business decisions by using a predefined semantic module, analyzes the business rules and makes the business decisions, and does not need to realize rule control by writing codes. When the system is started, the rule engine loads the configured business rule into the memory, so that the system can process business according to the established business rule.

(2) Rule configurability

The payment rules (e.g. target processing rules) can be configured at the business system management end, the configured rules can provide data input for the rule engine, and meanwhile, the payment rules can cope with the changing of the payment requirements or the customized scenes of bill payment modes of different merchants, and bill payment modes suitable for the requirements of different merchants are provided for different merchants. The main elements of the configuration are merchant numbers, bill payment modes, bill payment channels, preferential modes, bill type mutual exclusion, notification modes and the like.

The merchant numbers are unique identifiers, and one merchant number can only be configured with one bill payment mode;

Bill payment mode, namely, the bill payment mode is firstly configured in full quantity by market administrators, and each merchant selects a payment mode suitable for the merchant according to the situation of the merchant. If the multi-bill combined multi-payment is selected, multiple bills are allowed to be combined and paid for multiple times, the total sum of the multiple bills exceeds the full reduction standard, full reduction is carried out, the combination is only carried out once, the other bill cannot be combined with other bills for payment again, one or more times of bill payment is selected, one bill is paid for one time by default, if a merchant wants to modify the payment mode of the merchant, the merchant needs to apply for updating modification to a market manager.

Bill payment channel-the payment channel is set by market manager, usually defaults, and the default main payment channel is bank card, weChat payment, payment, cloud flash payment, etc.

Preferential manner-the rule configuration must be done by the market manager, and the rule applies to all merchants. The manner of preference is different for different cost types. If the fee type is that the booth rent is configured to pay up to 10000 yuan of preferential 500 yuan, the payment mode is calculated according to the amount paid by the merchant (if the previous 10000 yuan is the last paid amount by the merchant), if the fee type is that the loading fee is paid according to a percentage, such as preferential 10%, the configuration can be carried out in multiple payments or one payment, if three bills are combined to pay according to 50%, each bill can be preferential 10%.

And the bill type mutual exclusion rule is that aiming at multi-bill combined payment, different bills adopt mutual exclusion combined rules for better controlling the payment mode of the bills due to different preferential modes. Bills such as those of the type of fees for a booth lease are typically reduced in favor and cannot be combined with the bill of the type of fees for a percentage payment of a loading and unloading fee.

And the notification mode is used for providing the notification mode after the payment action is finished for the merchant. The notification may be immediate, or a specific time point may be set, e.g., 09:00, which is a default mode. The notice result file of the payment mainly comprises the payment success and the payment failure (including failure reasons and corresponding error codes).

(3) Payment verification mechanism

The rule engine solves the business rule of bill payment, mainly completes the situation of how much amount each bill is allocated and whether the excess amount is allocated, if five bills are combined for payment, one bill of 500 yuan is combined for payment, and the merchant adopts 20% payment according to percentage when the merchant is combined for payment of 5000 yuan, namely 1000 yuan is paid for each bill. It was found that 500 units remained when paying the bill for 500 units total, and this remaining 500 units would need to be amortized over the other four bills. In addition, it is necessary to check whether counter numbers corresponding to a plurality of bills are identical, whether an account number is frozen, and the like before payment. The related verification work is completed by a payment verification mechanism.

(4) Bill payment progress notification

After the bill payment is successful, the merchant is informed of the bill payment state of the payment, such as paid fee, partial payment, unpaid fee and the like, besides prompting the merchant that the payment is successful, so that the merchant can know the payment condition and progress of the merchant, and the merchant can conveniently conduct fund planning.

(5) Others

The caching mechanism can be used in many service systems, and can obviously improve the retrieval efficiency, improve the user experience, reduce the pressure of database access and improve the service processing efficiency.

Based on the bill payment service system, when the merchant performs bill payment, a specific bill payment service circulation process may refer to fig. 11, which includes the following matters.

(1) The market operation manager firstly configures the payment rules of the merchant according to the payment preference and the preferential rules of the merchant through the new bill payment mode configuration information adding/modifying function in the service system management end, and the management end (such as a market management terminal) loads the configuration rules (such as preset bill processing rules) to the rule engine.

(2) The merchant selects a bill (possibly multiple bills) to be paid and a payment mode, verifies whether the preferential item is effective, clicks payment (to determine a final target processing rule);

(3) The rule engine combines the bill information in the step (2) with a payment rule (e.g. a target processing rule) to make a payment decision, and the payment platform further verifies the legitimacy of the account number, how the excess amount is shared and whether the bill payment is overtime (15 minutes) or not;

(4) The payment platform records payment running water, sends payment notice to the service system application end, and the service system application end completes bill state update and notifies the payment notice to the merchant;

Specifically, if the payment is successful, the payment flow is ended, and if the payment is failed, the user can initiate the payment flow again, and the operation flow after the step (2) is repeated.

As can be seen from fig. 11, the bill payment service circulation process is divided into two stages, wherein the first stage is to complete the configuration of bill payment rules, preferential rules and mutual exclusion rules, and the second stage is to select bills and payment channels by merchants, and complete bill payment by combining the configuration of the payment rules and preferential rules (possibly without preferential) in the first stage. Specific implementation details are set forth below.

(1) Bill payment rule configuration

For better, unified management of bill payment rule configuration management, this function can only be operated by an authorized market manager (e.g., market manager). The administrator may configure payment related rules such as preferential rules, mutual exclusion rules, selectable payment channels, selectable payment means (full payment means). And stores the configuration information in the domestic database TiDB. After the configuration is completed, the timing task scans the bill payment rules which are newly added, updated or deleted every 10 minutes (time period 09:00-18:00) to configure information, and the information is pushed to a rule engine in a payment platform, so that the subsequent business processing is performed by the rule engine.

(2) Merchant bill payment mode setting

The merchant can select the bill according to own preference and actual demand and then select the payment mode, and the selected payment mode is necessarily configured by the market manager in step (1). For example, a mode of combining multiple bills for multiple payments is selected, rule checking is triggered, and the type of the bill is used as a judging standard to see whether the bills are mutually exclusive. Through verification, he needs to fill out the total amount for the current payment, and then set a certain amount or a set percentage for each bill, and the fact is that the total amount of the current payment is distributed to the selected bill, so that flexible on-demand payment is realized. Meanwhile, the preference setting of the merchant can be verified with the business rule in (1). If the verification is not passed, the order to be paid is reselected and the subsequent operation is performed.

(3) Rule engine and business rules

Specifically, aviatorScript open source lightweight rule engines can be used, and a programmer can form judgment of overall business logic by programming the bill payment rules configured in (1) and combining regular expressions. The complex and central decision logic is here shown as a decision flow chart, see fig. 12. In specific implementation, the method can comprise the following steps:

1) After acquiring the configured bill payment business rule, the rule engine waits for a user to initiate a bill payment application;

2) The rule engine judges the rule according to the bill information, and the payment flow is directly ended when the rule engine does not accord with the business rule;

3) If yes, whether the bill is a plurality of bills or a single bill is needed to be judged, shan Zhangze, the payment order is directly constructed, if the bill is a plurality of bills, the bills are combined according to the business rule, meanwhile, whether the preferential amount exists is considered, if the preferential amount exists, the preferential amount is subtracted, and then the payment order is constructed to finish payment.

(4) Payment verification link

The payment verification link is one of core functions of the payment platform, and mainly completes verification of whether the payment state of the order is overtime, whether account information is abnormal and the like, and only the order (note not bill) passing verification can be paid, otherwise, the order is directly returned to the merchant to prompt a document.

(5) Payment completion and notification

The two longest states in the payment result are successful or unsuccessful, but whichever state needs to be explicitly informed to the merchant, so that the merchant can know the payment progress and result, especially the payment failure, and the merchant is prompted as far as possible for the reason of the payment failure, so as to guide the next operation and prevent the same error from being made next time. Meanwhile, after the payment is completed, the payment running water is recorded for checking.

Through the scene examples, the processing method for the market management bill provided by the specification has the advantages of supporting more payment modes, (2) being applicable to more and richer payment scenes and having market potential, (3) being flexible and convenient in rule configuration, easy to popularize and beneficial to smoother operation of the agricultural batch market.

Although the present description provides method operational steps as described in the examples or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive means. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When implemented by an apparatus or client product in practice, the methods illustrated in the embodiments or figures may be performed sequentially or in parallel (e.g., in a parallel processor or multi-threaded processing environment, or even in a distributed data processing environment). The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, it is not excluded that additional identical or equivalent elements may be present in a process, method, article, or apparatus that comprises a described element. The terms first, second, etc. are used to denote a name, but not any particular order.

Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller can be regarded as a hardware component, and means for implementing various functions included therein can also be regarded as a structure within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, classes, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer-readable storage media including memory storage devices.

From the above description of embodiments, it will be apparent to those skilled in the art that the present description may be implemented in software plus a necessary general hardware platform. Based on such understanding, the technical solutions of the present specification may be embodied essentially in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and include several instructions to cause a computer device (which may be a personal computer, a mobile terminal, a server, or a network device, etc.) to perform the methods described in the various embodiments or portions of the embodiments of the present specification.

Various embodiments in this specification are described in a progressive manner, and identical or similar parts are all provided for each embodiment, each embodiment focusing on differences from other embodiments. The specification is operational with numerous general purpose or special purpose computer system environments or configurations. Such as a personal computer, a server computer, a hand-held or portable device, a tablet device, a multiprocessor system, a microprocessor-based system, a set top box, a programmable electronic device, a network PC, a minicomputer, a mainframe computer, a distributed computing environment that includes any of the above systems or devices, and the like.

Although the present specification has been described by way of example, it will be appreciated by those skilled in the art that there are many variations and modifications to the specification without departing from the spirit of the specification, and it is intended that the appended claims encompass such variations and modifications as do not depart from the spirit of the specification.

Claims

1. A method for processing a market management bill, comprising:

Receiving a multi-bill merging processing request initiated by a merchant terminal; wherein the multi-bill merging processing request carries at least the bill identifiers of multiple target market management bills selected by the merchant and the merchant identifier of the merchant;

According to the bill identifications of multiple target market management bills, the bill information, payment time limit data, and payment discount data of the target market management bills are obtained; and according to the merchant identifications of the merchants, the attribute information and behavior data of the merchants are obtained;

Based on the bill information, payment time limit data, payment discount data of bill management bills in multiple target markets, as well as the attribute information and behavior data of merchants, multiple bill processing solutions matching the merchants are generated as recommended solutions;

Sending the recommendation plan to the merchant terminal, and receiving merchant feedback data on the recommendation plan; wherein the merchant terminal is used to display the recommendation plan to the merchant;

According to the feedback data, target processing rules for managing bills in multiple target markets selected by the target merchant are determined; wherein the target processing rules at least include: bill merging sub-rules, bill payment sub-rules, and bill settlement allocation sub-rules;

Interact with merchant terminals to manage bills for multiple target markets based on target processing rules.

2. The method according to claim 1 is characterized in that, according to the target processing rules, interacting with the merchant terminal to process multiple target market management bills includes:

According to the bill merging sub-rule, a first target market management bill among the multiple target market management bills is merged to obtain a corresponding first payment order; a second target market management bill among the multiple target market management bills is merged to obtain a corresponding second payment order; wherein the payment time limit data and/or payment discount data of the first target market management bill associated with the first payment order matches, and the payment time limit data and/or payment discount data of the second target market management bill associated with the second payment order matches;

Generate, according to the bill payment sub-rule, a plurality of first payment tasks regarding the first payment order and a plurality of second payment tasks regarding the second payment order;

According to the target processing rule, by interacting with the merchant terminal, multiple first payment tasks and multiple second payment tasks are executed in batches to obtain corresponding first payment resource data and second payment resource data;

According to the bill settlement allocation sub-rule, the first target market management bills are settled and written off in batches using the first payment resource data; the second target market management bills are settled and written off in batches using the second payment resource data.

3. The method according to claim 2 is characterized in that after, according to the bill merging sub-rule, a first target market management bill among the multiple target market management bills is merged to obtain a corresponding first payment order; and a second target market management bill among the multiple target market management bills is merged to obtain a corresponding second payment order, the method further comprises:

The remaining third target market management bills in the multiple target market management bills are combined to obtain a corresponding third payment order.

4. The method according to claim 2, characterized in that, according to the bill merging sub-rule, merging the first target market management bill among the multiple target market management bills to obtain the corresponding first payment order, comprising:

According to the bill merging sub-rule and the payment time limit data of the target market management bill, the target market management bill whose time difference between the verification deadline and the current time is less than the first reference time is selected from multiple target market management bills as candidate target market management bills;

According to the bill merging sub-rule and the payment preferential data of the candidate market management bills, a candidate target market management bill without mutually exclusive preferential treatment is selected from multiple candidate target market management bills as the first target market management bill;

According to the bill merging sub-rule, the bill information of the multiple first target market management bills is used to merge the multiple first target market management bills to obtain the corresponding first payment order.

5. The method according to claim 4, characterized in that, according to the bill merging sub-rule, merging the second target market management bills in the plurality of target market management bills to obtain the corresponding second payment order comprises:

Determining a first remaining bill among the plurality of target market management bills except the first target market management bill;

According to the bill merging sub-rule and the payment preferential data of the first remaining bills, bills with mutually exclusive preferential treatment are eliminated from the plurality of first remaining bills to obtain the second target market management bills;

According to the bill merging sub-rule, the bill information of the plurality of second target market management bills is used to merge the plurality of second target market management bills to obtain a corresponding second payment order.

6. The method according to claim 2 is characterized in that, according to the bill settlement allocation sub-rule, the first payment resource data is used to settle and write off the first target market management bill in batches, including:

According to the bill settlement allocation sub-rule, the current batch of settlement and write-off of the first target market management bills is performed in the following manner using the current first payment resource data fed back by the merchant for the current first payment task:

Determine the current time difference between the current time and the write-off deadline of the first target market management bill, and the current remaining resource data value of the first target market management bill to be settled and written off;

Determine the priority weight of the first target market management bill according to the current time difference value and the current remaining resource data value of the first target market management bill;

According to the priority weight of the first target market management bill, the current first payment resource data is divided into a plurality of resource shares; wherein one resource share corresponds to one first target market management bill;

Utilize multiple resource shares to respectively perform settlement and write-off of the current batch of corresponding first target market management bills.

7. The method according to claim 1 is characterized in that the target market management bill includes at least one of the following: a market entry bill, a resource rental bill, a property management bill, a booth usage fee bill, and a loading and unloading service bill.

8. The method according to claim 1 is characterized in that after acquiring bill information, payment time limit data, and payment discount data of target market management bills according to bill identifiers of multiple target market management bills; and acquiring attribute information and behavior data of merchants according to merchant identifiers of merchants, the method further comprises:

According to the preset verification rules, use the merchant information and billing information to verify the target market management bills;

When a target market management bill that fails verification is detected, an error message about the target market management bill is generated;

Send the error message to the merchant terminal.

9. The method according to claim 1, characterized in that, based on bill information, payment time limit data, payment discount data of multiple target market management bills, and attribute information and behavior data of merchants, multiple bill processing solutions matching the merchants are generated, including:

According to the bill information of the bills managed by the multiple target markets, a preset bill processing rule library is queried to determine multiple matching bill processing rules; wherein the preset bill processing rule library stores multiple preset bill processing rules, and one preset bill processing rule corresponds to at least one bill type;

Splice the bill information and bill processing rules of the corresponding target market management bill to obtain the spliced bill processing rules; splice the merchant's attribute information and behavior data to obtain the merchant's associated data;

The preset decision model is used to process the spliced bill processing rules and the merchant's associated data to determine multiple bill processing solutions that match the merchant.

10. The method according to claim 1, characterized in that, according to the feedback data, determining target processing rules for managing bills in multiple target markets selected by the target merchant comprises:

According to the feedback data, determine the recommendation plan selected by the merchant as the target recommendation plan;

Detect whether there is modified data for the target recommendation solution in the feedback data;

In the case where it is determined that there is modified data for the target recommended solution, detecting whether the modified data exceeds the authorized scope;

In the case where it is determined that the modified data exceeds the authorized scope, the modified data and the target recommendation scheme are sent to the market management terminal; wherein the market management terminal determines whether to accept the modified data for the target recommendation scheme;

Receive and respond to the confirmation acceptance instruction fed back by the market management terminal, and generate target processing rules for multiple target market management bills selected by the target merchants based on the modified data and the target recommendation plan.

11. The method according to claim 2, characterized in that, according to the target processing rule, by interacting with the merchant terminal, executing multiple first payment tasks and multiple second payment tasks in batches to obtain corresponding first payment resource data and second payment resource data, comprises:

According to the target processing rules, interact with the merchant terminal in the following way to execute the first payment task of the current batch:

According to the target processing rules, monitor whether the execution conditions of the first payment task of the current batch are triggered;

In the case of determining the execution condition for triggering the first payment task of the current batch, calculating the current first payment resource data for the current first payment task according to the bill payment sub-rule and the first payment order;

Generate a current first sub-order to be paid for the current first payment task according to the current first payment resource data;

Sending the current first payment reminder information to the merchant terminal; wherein the current first payment reminder information carries at least the current first sub-order;

Receive the first payment resource data fed back by the merchant.

12. A device for processing market management bills, comprising:

A receiving module, configured to receive a multi-bill merging processing request initiated by a merchant terminal; wherein the multi-bill merging processing request carries at least the bill identifiers of multiple target market management bills selected by the merchant, and the merchant identifier of the merchant;

An acquisition module, used to acquire bill information, payment time limit data, and payment discount data of target market management bills according to bill identifiers of multiple target market management bills; and to acquire attribute information and behavior data of merchants according to merchant identifiers of merchants;

A generation module, for generating multiple bill processing solutions matching the merchant as recommended solutions based on the bill information, payment time limit data, payment discount data, and merchant attribute information and behavior data of multiple target market management bills;

An interactive module, used to send the recommendation plan to the merchant terminal and receive merchant feedback data on the recommendation plan; wherein the merchant terminal is used to display the recommendation plan to the merchant;

A determination module, used to determine target processing rules for managing bills in multiple target markets selected by target merchants based on the feedback data; wherein the target processing rules at least include: bill merging sub-rules, bill payment sub-rules, and bill settlement allocation sub-rules;

The processing module is used to interact with the merchant terminal according to the target processing rules and process multiple target market management bills.

13. A server, comprising a processor and a memory for storing processor-executable instructions, wherein the processor implements the steps of the method according to any one of claims 1 to 11 when executing the instructions.

14. A computer-readable storage medium, characterized in that computer instructions are stored thereon, and when the instructions are executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

15. A computer program product, characterized in that it comprises a computer program, wherein when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.